We made it! We did it! It's over! It's done! We don't owe a penny to anyone, anything, anywhere!
We've been 21 months in the making of becoming debt free. It was yet another love-hate relationship. But in the end, discipline and commitment won the fight. Boo yah!
Some of you may think we're crazy for welcoming such a tight budget into our lives. That's fine. This is something we decided from the very beginning; we wanted to take care of both our college debt as quickly as possible.
We weren't the first couple to adopt these tricks and tips. And we won't be the last.
1) Develop a budget. Here's the key. You have to actually stick to it.
2) You tell your money where to go. Not the other way around.
3) Discipline. Discipline. Discipline.
4) Furniture hunting? Hit up Craigslist. We found a Microfiber couch and loveseat -$275 for both. A couple was moving to Germany and had a few weeks to sell their stuff. You'll come across a great find at some point!
5) Decorating your apartment? DIY projects or better yet - dig through your place. I guarantee you'll find things you haven't used in awhile. I happen to find lots of random vases in our closet. Google some projects on what to do with vases - you'll find a whole new world of ideas. Use what you already have!
6) Or if you don't have it but need it, utilize your Goodwills, Salvation Armys, garage sales, flea markets.
7) Decide what is an appropriate amount for your own spending money. Let's face it. You can't be straight laced the whole time otherwise you will go crazy. Trust me. The hate part of the love-hate relationship comes in full force on this one. Treat yourself to something you love. Grab a coffee, get a pedicure, a new top, dinner with a friend.
8) However, we really don't need a ton of material items to begin with. Be realistic but really... we can live without an overdose on most items.
9) Once money is gone in a particular part of the budget, it's gone. No going over.
10) Believe it or not, Aldi has some great finds for inexpensive groceries. Don't fall susceptible to the Whole Foods exclusive club - there are many grocery store gems out there that have quality food - you'll still get some bang for your buck.
11) Want to watch a movie? Guess what? The library has tons of movies. And oh yes...they're free.
Library is closed? The next cheapest thing is Redbox - $1 movies.
I could continue but I'll stop. The main thing is discipline. I had the urge several times to go out just one more time to Panera. I had the urge to run out and buy cookie dough to satisfy (although satisfy temporarily) my sugar craving. I had the urge to buy a Strawberry Frappachino when I met up with a friend. BUT. When the money is gone, it's gone. No going over. That kind of defeats the whole purpose.
We're proud of this accomplishment and we wouldn't change the way we did things. Now we are freed up to adjust our budget as we see fit.
Hold your horses. Don't worry. Calm down! Geesh. Don't have a heart attack. We won't go crazy. Discipline runs through our veins. Remember me? Black and white girl? And I'm married to a Redelman. We'll be ok ;)